Natural hazards · Lone Oak

Lone Oak, GA natural hazards

Most of the natural-hazard damage FEMA expects in Lone Oak comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Lone Oak?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Oak to be higher than in 13% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes20%Strong wind7%Everything else19%

By hazard

What Lone Oak faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

55% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

20% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 21 years in the area

Strong wind

7% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Lone Oak flood?

FEMA's records show no paid flood insurance claims in Lone Oak.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lone Oak isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Meriwether County.

Disasters that hit Lone Oak

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Lone Oak itself: aid to households, or repair grants to the Town of Lone Oak.

Brought FEMA money into Lone OakDeclared for Meriwether County only

2023

Severe Storms, Straight-Line Winds, and Tornadoes

1 household applied for aid

Meriwether County has had 13 natural disasters declared since 1953, most often hurricanes and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Lone Oak is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Lone Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lone Oak. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.